{"id":1007,"date":"2020-02-13T13:18:02","date_gmt":"2020-02-13T13:18:02","guid":{"rendered":"https:\/\/the7.io\/elementor-business-one-page\/?page_id=1007"},"modified":"2020-08-18T18:24:30","modified_gmt":"2020-08-18T18:24:30","slug":"medicare","status":"publish","type":"page","link":"https:\/\/www.premiersitedemo.com\/eiko2\/medicare\/","title":{"rendered":"Medicare"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1007\" class=\"elementor elementor-1007\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-48971ddd elementor-section-stretched elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"48971ddd\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3b4a2fbc\" data-id=\"3b4a2fbc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-98cbdeb elementor--h-position-center elementor--v-position-middle elementor-arrows-position-inside elementor-widget elementor-widget-global elementor-global-2990 elementor-widget-slides\" data-id=\"98cbdeb\" data-element_type=\"widget\" data-settings=\"{&quot;navigation&quot;:&quot;arrows&quot;,&quot;transition_speed&quot;:1200,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;transition&quot;:&quot;slide&quot;}\" data-widget_type=\"slides.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t<div class=\"elementor-slides-wrapper elementor-main-swiper swiper-container\" dir=\"ltr\" data-animation=\"fadeInUp\">\n\t\t\t\t<div class=\"swiper-wrapper elementor-slides\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-repeater-item-dccdf21 swiper-slide\"><div class=\"swiper-slide-bg elementor-ken-burns elementor-ken-burns--in\"><\/div><div class=\"elementor-background-overlay\"><\/div><a class=\"swiper-slide-inner\" href=\"http:\/\/www.premiersitedemo.com\/eiko2\/#contact\"><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Medicare<\/div><div class=\"elementor-slide-description\">Are you on the right Medicare Plan? <\/div><div  class=\"elementor-button elementor-slide-button elementor-size-md\">ASK BERNIE!<\/div><\/div><\/a><\/div><div class=\"elementor-repeater-item-6334db4 swiper-slide\"><div class=\"swiper-slide-bg\"><\/div><div class=\"elementor-background-overlay\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-description\">Have you reviewed <span style=\"color:#6EC1E4\";\">Health Insurance<\/span> options?<\/div><a href=\"http:\/\/www.premiersitedemo.com\/eiko2\/#contact\" class=\"elementor-button elementor-slide-button elementor-size-md\">Request A Consultation<\/a><\/div><\/div><\/div><div class=\"elementor-repeater-item-f2d3f4d swiper-slide\"><div class=\"swiper-slide-bg\"><\/div><div class=\"elementor-background-overlay\"><\/div><div class=\"swiper-slide-inner\" ><div class=\"swiper-slide-contents\"><div class=\"elementor-slide-heading\">Life Insurance Consultant<\/div><div class=\"elementor-slide-description\">Bernie Esberner is a <span style=\"color:#6EC1E4\";\">Life Insurance Consultant<\/span> in your local community<\/div><a href=\"http:\/\/www.premiersitedemo.com\/eiko2\/#contact\" class=\"elementor-button elementor-slide-button elementor-size-md\">Learn More <\/a><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t\t<span class=\"elementor-screen-only\">Previous<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t\t<span class=\"elementor-screen-only\">Next<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dc9ee8e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dc9ee8e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6ed77c2\" data-id=\"6ed77c2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22f7992 elementor-widget elementor-widget-heading\" data-id=\"22f7992\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MEDICARE <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88458b8 elementor-widget elementor-widget-text-editor\" data-id=\"88458b8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"word-spacing: normal;\">Most people become eligible for Medicare when turning 65. If you are already taking Social Security benefits when you turn 65, then you will most likely get a Medicare card 3 months prior to the month of your 65th birthday, automatically. \u00a0Your Medicare benefits start the 1st of the month of your 65th birthday. \u00a0If you are not taking Social Security benefits when you turn 65, then you will need to request the activation of your Medicare benefits. People have strongly suggested it following diagnosis of health problems \u2013\u00a0<\/span><\/p><p><span style=\"color: #333333; font-size: 24px; font-weight: bold; word-spacing: normal;\">How much does Part A cost?<\/span><\/p><h4>Premium-free Part A<\/h4><p>You usually don\u2019t pay a monthly premium for\u00a0<a href=\"https:\/\/www.medicare.gov\/your-medicare-costs\/part-a-costs\/part-a-costs.html#1367\">Medicare Part A (Hospital Insurance)<\/a>\u00a0coverage if you or your spouse paid Medicare taxes for a certain amount of time while working.\u00a0 This is sometimes called \u201cpremium-free Part A.\u201d<\/p><p>Most people get premium-free Part A.<\/p><p>You can get premium-free Part A at 65 if:<\/p><ul><li>You already get retirement benefits from Social Security or the Railroad Retirement Board.<\/li><li>You\u2019re eligible to get Social Security or Railroad benefits but haven\u2019t filed for them yet.<\/li><li>You or your spouse had Medicare-covered government employment.\u00a0<\/li><\/ul><p>If you\u2019re under 65, you can get premium-free Part A if:<\/p><ul><li>You got Social Security or Railroad Retirement Board disability benefits for 24 months.<\/li><li>You have\u00a0End-Stage Renal Disease (ESRD)\u00a0and meet certain requirements.<\/li><\/ul><h4>Part A premiums<\/h4><p>If you buy Part A, you\u2019ll pay up to $458 each month in 2020. If you paid Medicare taxes for less than 30 quarters, the standard Part A premium is $458. If you paid Medicare taxes for 30-39 quarters, the\u00a0standard Part A premium is $240.<\/p><p>In most cases, if you choose to buy Part A, you must also:<\/p><ul><li>Have\u00a0Medicare Part B (Medical Insurance<a href=\"https:\/\/www.medicare.gov\/your-medicare-costs\/part-a-costs\/part-a-costs.html#1368\">)<\/a><\/li><li>Pay monthly premiums for both Part A and Part B<\/li><\/ul><p>Contact\u00a0<a href=\"http:\/\/www.ssa.gov\/\">Social Security<\/a>\u00a0for more information about the Part A premium.<\/p><p>Some people automatically get Medicare Part A (Hospital Insurance).\u00a0<a href=\"https:\/\/www.medicare.gov\/sign-up-change-plans\/get-parts-a-and-b\/when-how-to-sign-up-for-part-a-and-part-b.html\">Learn how and when you can sign up for Part A<\/a>.<\/p><h3>How much does Part B cost?<\/h3><h4>Part B premiums<\/h4><p>You pay a premium each month for Part B. <a href=\"https:\/\/www.medicare.gov\/your-medicare-costs\/part-b-costs\/part-b-costs.html#1306\">Your Part B premium<\/a> will be automatically deducted from your benefit payment if you get benefits from\u00a0one of these:<\/p><ul><li>Social Security<\/li><li>Railroad Retirement Board<\/li><li>Office of Personnel Management<\/li><\/ul><p>If you don\u2019t get these benefit payments, you\u2019ll get a bill.<\/p><p>Most people will pay the standard premium amount. If your modified adjusted gross income is above a certain amount, you may pay an Income Related Monthly Adjustment\u00a0Amount (IRMAA). Medicare uses the modified adjusted gross income reported on your IRS tax return from 2 years ago. This is the most recent tax return information provided to Security by the IRS.<\/p><p>2020<\/p><p>The standard Part B premium amount in 2020 will be $144.60 (or higher depending on your income). However, some people who get Social Security benefits pay less than this amount ($130 on average). You\u2019ll pay the standard premium amount (or higher) if:<\/p><ul><li>You enroll in Part B for the first time in 2018.<\/li><li>You don\u2019t get Social Security benefits.<\/li><li>You\u2019re directly billed for your Part B premiums (meaning they aren\u2019t taken out of your Social Security benefits).<\/li><li>You have Medicare and Medicaid, and Medicaid pays your premiums. (Your state will pay the standard premium amount of $144.60.)<\/li><li>Your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount. If so, you\u2019ll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.<\/li><\/ul><p>If you\u2019re in 1 of these 5 groups, here\u2019s what you\u2019ll pay:<\/p><figure class=\"wp-block-table\"><table><tbody><tr><th>If your yearly income in 2017 (for what you pay in 2019) was<\/th><th>You pay each month (in 2019)<\/th><\/tr><tr class=\"alt\"><th>File individual tax return<\/th><th>File joint tax return<\/th><th>File married &amp; separate tax return<\/th><\/tr><tr><td>$85,000 or less<\/td><td>$170,000 or less<\/td><td>$85,000 or less<\/td><td>$144.60<\/td><\/tr><tr class=\"alt\"><td>above $85,000 up to $107,000<\/td><td>above $170,000 up to $214,000<\/td><td>Not applicable<\/td><td>$202.40<\/td><\/tr><tr><td>above $107,000 up to $133,500<\/td><td>above $214,000 up to $267,000<\/td><td>Not applicable<\/td><td>$289.20<\/td><\/tr><tr class=\"alt\"><td>above $133,500 up to $160,000<\/td><td>above $267,000 up to $320,000<\/td><td>Not applicable<\/td><td>$376.20<\/td><\/tr><tr><td>above $160,000\u00a0and less than\u00a0$500,000<\/td><td>above $320,000\u00a0and less than $750,000<\/td><td>above $85,000\u00a0and less than\u00a0$415,000<\/td><td>$462.70<\/td><\/tr><tr class=\"alt\"><td>$500,000 or above<\/td><td>$750,000 and above<\/td><td>$415,000 and above<\/td><td>$491.60<\/td><\/tr><\/tbody><\/table><\/figure><p><a href=\"http:\/\/socialsecurity.gov\/pubs\/EN-05-10536.pdf\">Get more information about your Part B premium from Social Security [PDF, 341 KB].<\/a><\/p><h4>Part B deductible &amp; coinsurance<\/h4><p>You pay $198 per year for your Part B\u00a0deductible. After your deductible is met, you typically pay 20% of the\u00a0<a href=\"https:\/\/www.medicare.gov\/your-medicare-costs\/part-b-costs\/part-b-costs.html#1378\">Medicare-approved amount<\/a>\u00a0for these:<\/p><ul><li>Most doctor services (including most doctor services while you\u2019re a hospital inpatient)<\/li><li>Outpatient therapy<\/li><li>Durable medical equipment<\/li><\/ul><p>There are many, many moving parts and situations. \u00a0So, you may not fall into a standard turning-65 start date. \u00a0You may have Medicare due to disability, you may have worked past 65 years old, or one of hundreds of other exception<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Have you reviewed Health Insurance options?Request A ConsultationLife Insurance ConsultantBernie Esberner is a Life Insurance Consultant in your local communityLearn More MedicareAre you on the right Medicare Plan? Ask Bernie Previous Next MEDICARE Most people become eligible for Medicare when turning 65. If you are already taking Social Security benefits when you turn 65, then&hellip;<\/p>\n","protected":false},"author":1,"featured_media":2661,"parent":0,"menu_order":30,"comment_status":"closed","ping_status":"closed","template":"template-microsite.php","meta":[],"_links":{"self":[{"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/pages\/1007"}],"collection":[{"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/comments?post=1007"}],"version-history":[{"count":23,"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/pages\/1007\/revisions"}],"predecessor-version":[{"id":3061,"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/pages\/1007\/revisions\/3061"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/media\/2661"}],"wp:attachment":[{"href":"https:\/\/www.premiersitedemo.com\/eiko2\/wp-json\/wp\/v2\/media?parent=1007"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}